The First National Bank in Sioux Falls

IMPORTANT: A property address is required. We are currently not accepting applications for pre-approvals.

Read these directions before completing this application and select the appropriate option.

	If you are applying for individual credit in your own name and are relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested, complete all sections, omitting the Joint Applicant sections.
	If you are applying for joint credit with another person, complete all sections, providing information about the joint applicant in the Joint Applicant sections.
	If you are applying for individual credit, but are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of the credit requested, complete all sections to the extent possible, providing information in the Joint Applicant sections about the person on whose alimony, support or maintenance payments or income or assets you are relying.

If you answer "Yes" to any questions a through i, please explain your answer in the space provided.

		Applicant	Joint Applicant
a.	Are there any outstanding judgments against you?	Yes No	Yes No
		If yes, explain:
b.	Have you been declared bankrupt within the past 7 years? If so, we need complete recorded bankruptcy papers and discharge.	Yes No	Yes No
		If yes, explain:
c.	Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?	Yes No	Yes No
		If yes, explain:
d.	Are you a party to a lawsuit?	Yes No	Yes No
		If yes, explain:
e.	Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, of judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans and manufactured (mobile) home loans. If any, provide details, including date, name and address of lender, FHA or VA case number, if any, and reasons for the action.)	Yes No	Yes No
		If yes, explain:
f.	Are you presently delinquent on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "yes," give details as described in the preceding question.	Yes No	Yes No
		If yes, explain:
g.	Are you obligated to pay alimony, child support, or separate maintenance?	Yes No	Yes No
		If yes, explain:
h.	Is any part of the down payment borrowed?	Yes No	Yes No
		If yes, explain:
i.	Are you a co-maker or endorser on a note?	Yes No	Yes No
		If yes, explain:
j.	Are you a U.S. citizen?	Yes No	Yes No
k.	Are you a permanent resident alien?	Yes No	Yes No
l.	Do you intend to occupy the property as your primary residence?	Yes No	Yes No

Applicant

Full Legal Name

Social Security #

Cell Phone

Home Phone

Bus. Phone

Age

Birthdate (yyyy)

Years of School

Marital Status

Married
Unmarried
Separated

Dependents

Yes No Ages

Present Address:

Rent Own
Street
City	State Zip
How Long	/ (yyyy) to Present
E-Mail Address

Previous Address:

If present is less than 3 years

Rent Own
Street
City	State Zip
How Long	/ (yyyy) to / (yyyy)

Joint Applicant

Full Legal Name

Social Security #

Cell Phone

Home Phone

Bus. Phone

Age

Birthdate (yyyy)

Years of School

Marital Status

Married
Unmarried
Separated

Dependents

Yes No Ages

Present Address:

Rent Own
Street
City	State Zip
How Long	/ (yyyy) to Present
E-Mail Address

Previous Address:

If present is less than 3 years

Rent Own
Street
City	State Zip
How Long	/ (yyyy) to / (yyyy)

Employment Applicant:

Name of Employer
Job Title
Address
City	State Zip
Gross Monthly Income
Bonus/Commission	Per
Dates of Employment	/ (yyyy) to Present
How Long in this Profession
Previous employment if present is less than 2 years.
Name of Employer
Phone Number
Address
City	State Zip
Gross Monthly Income
Job Title
Dates of Employment	/ (yyyy) to / (yyyy)
How Long in this Profession

Employment Joint Applicant:

Name of Employer
Job Title
Address
City	State Zip
Gross Monthly Income
Bonus/Commission	Per
Dates of Employment	/ (yyyy) to Present
How Long in this Profession
Previous employment if present is less than 2 years.
Name of Employer
Phone Number
Address
City	State Zip
Gross Monthly Income
Job Title
Dates of Employment	/ (yyyy) to / (yyyy)
How Long in this Profession

Assets:

Name of Institution
Address
City	State Zip
Checking Account #	Balance $
Savings Account #	Balance $

Add another asset

Stocks and Bonds							Value $
Retirement (Vested)							Value $
IRAs or Keogh							Value $
Life Insurance Face Value $							Cash Value $
Automobiles:
Yr. Make Model Add another automobile							Value $
Yr. Make Model Add another automobile							Value $
Yr. Make Model							Value $
Other Major Assets: (Description)
Add another major asset							Value $
							Value $
Personal Property: (Any assets not listed above)
							Value $

Real Estate Owned:

Address
City	State Zip
Value $
Mortgage Balance $
P & I Amount $
Taxes $
Insurance $
Renewal Date	(yyyy)
Status	Gross Rental Income $
Mortgage Held By	Account #
Address
City	State Zip

Add another real estate

Loan Information:

A property address is required. We are currently not accepting applications for pre-approvals.
Loan Amount Requested
House Number
Street Name
Loan Purpose	Purchase Refinance
If Application is for refinancing:	Cash Out No Cash Out
Year Built	(yyyy) Year Purchased (yyyy)
Purchase Amount $
Describe Improvements made/to be made

Current Rental Information:

Landlord Name
Address
City	State Zip
Current Rent $

Liabilities:

Installment Debts (Other than Real Estate) Including Credit Cards

Creditor
Address
City	State Zip
Account #	Balance $
Payment Amount $

Add another liability

Alimony/Child Support Payment per Month $ to

We will need a signed and recorded copy of the divorce decree and stipulation agreement.

Depending on your loan type, you may be asked to furnish the following documentation:

All Applications:

Complete Real Estate Application

Two years residency information
Two years employment history
Complete name and address

Purchase Agreement including all addendums
Two years signed Federal Income Tax returns
Address and legal description of property if a refinance
Copies of any documents showing your obligation of additional payments resulting from legal proceedings

FHA Application:

Copy of Social Security Card(s)
Copy of Driver's License(s)
Bank statements (all accounts) within 30 days
Pay stubs within 30 days

Conventional Fixed- and Adjustable-Rate Mortgage (ARM) Application:

W-2s for two years - if at least two years with present employer
Bank statements for last three months
Pay stubs within 30 days

South Dakota Housing Development Authority (SDHDA) Application

Three years signed Federal Income Tax returns
Landlord addresses for three years
Three years residency information

VA Application

Certificate of eligibility
Original pay stub within 90 days
Name, address and phone number of nearest relative

Other Items Needed if Applicable

Divorce decree and stipulation
Bankruptcy documents, discharge, schedule of debts and letter of explanation
Credit explanations
Rental income - copy of leases
Self-employed - current income statement and balance sheet
Corporation or Partnership - two years signed Federal Income Tax returns
New construction - set of plans, description of material and cost breakdowns that are normally provided by the builder
Social Security awards letter
Retirement/pension statements to show income

Information for Government Monitoring Purposes

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check the appropriate box(es) below:

Applicant:

	I do not wish to furnish this information.
Ethnicity
Hispanic or Latino Not Hispanic or Latino
Race
	American Indian or Alaska Native
	Asian
	Black or African American
	Native Hawaiian or Other Pacific Islander
	White
Sex
Female Male

Joint Applicant:

	I do not wish to furnish this information.
Ethnicity
Hispanic or Latino Not Hispanic or Latino
Race
	American Indian or Alaska Native
	Asian
	Black or African American
	Native Hawaiian or Other Pacific Islander
	White
Sex
Female Male

Signature(s)

By typing your name(s) below, you agree that you are submitting this loan application utilizing an electronic signature with the intention that it constitute your signature(s). This shall not constitute your consent that any subsequent documents may utilize your electronic signature. By typing your name(s) below and submitting this Application, you certify that the information contained here-in is true and correct.

Applicant Signature
Joint Applicant Signature